If we had a magic formula, we'd be using it. The average small business has been trying to make payments to suppliers at the end of the month, get paid by clients at the end of the month, and all the time manage their costs. It's not that different from a typical consumer trying to pay the mortgage and the power bill, pay for the groceries, and send the kids to school, all at the same time.
We've been successful in delivering a host of valuable payment solutions in the consumer space for a long time. We're beginning to ask how we can take what we do well in the consumer world, where I think we are a recognized leader on a global scale, and apply it in the business arena, particularly at the small-business end of the spectrum.